[SpuGen]

As per title.

ICBC gave me a final offer, and they're basically throwing pennies at me.
I'm pissed.

I went through a lawyer, and I have a feeling it'd be worse without one. However, I'm still only getting pennies. What pisses me off, is the fact that I'm out completely for the cost of the car + injuries. They're not paying me for the Towing fees when they neglected to take it off of the lot, and made me pay out of my own pocket. My insurance is also going up.

Fuck you very much.

What would happen if I never agree to the settlement?
Cause fuck them. I'm not agreeing to pennies after waiting 2 fucking years (and 5 days) for this bullshit. When I say pennies, I actually mean, PENNIES.

Probably grasping at nothing, but honestly fuck them.
Old guy running stale reds are apparently A-OK with ICBC.

[melloman]

You have a lawyer.. if you don't settle you can drag it out.. Go to court..

I'd be pushing the lawyer to do his job and make his monies worth..

[SumAznGuy]

IIRC, you had day permits on the car and no collision right?
What did ICBC say? The other driver running a stale red was anything but 100% at fault?

Sorry to hear that ICBC is giving you nothing for your car. But if the offer is that low, any chance of keeping the car and parting it out yourself or selling it to a scrap yard?

[SpuGen]

Yup. Day permit, no collision. My own fault, didn't think this shit would happen. I'm basically at fault 100%. :fulloffuck:

I already ripped out the Compustar, the deck, Sub, and swapped bumpers + lights.
They want $300 to buy my wheels back, when it's gonna cost me more to fix the one wheel. At this point, I wish I were cheap and bought some shitty Rotas so I wouldn't care. I don't even want to know how much it would cost to get the coilovers back.

[Alphamale]

http://blogs.westword.com/showandtell/03%20cool%20story%20bro.jpg

[falcon]

No such thing as a final offer.

ICBC always counts on people needing the money ASAP to buy a new car. If you can get by without the payout, just play hardball. They will eventually come around after a few months to a year.

[smarv]

is ICBC paying any of your medical bills? if so just keep telling them your in pain and stall. if they keep having to pay your medical for lets say 1-4 more years they will see that they are losing more money than if they were to give you a higher settling rate and be done with you. But that all depends on if they pay a monthly medical payment for you like physio or chiropractor, if they aren't paying I would try to get compensation for past visits(if any) and start going to something that costs them money a couple times a weeks from now on. if you do that with patience they will cave in with a higher offer. This advice was given to me by an old teacher of mine, so its not from my own experience.

[7seven]

You already have an attorney, if you're not happy just keep telling your attorney to fight it out with ICBC, you are under no obligation to accept a settlement with ICBC.

If I recall, this was a left turn accident right, and you were the left turner? If so, not that surprising ICBC putting some of blame on you and basically not covering costs/giving you "pennies" of vehicle without collision. Isn't collision/comp only a few extra dollars on a temp permit, I suppose to anyone reading, take this as a reminder to get it and that anything can happen.

If you're not happy with ICBC's offer for your injuries, just keep fighting it out, get a new attorney if you have to if you feel this one isn't doing his/her job. Don't feel pressured by ICBCs "final offer".

[Ferra]

As per title.

ICBC gave me a final offer, and they're basically throwing pennies at me.
I'm pissed.

I went through a lawyer, and I have a feeling it'd be worse without one. However, I'm still only getting pennies. What pisses me off, is the fact that I'm out completely for the cost of the car + injuries. They're not paying me for the Towing fees when they neglected to take it off of the lot, and made me pay out of my own pocket. My insurance is also going up.

Fuck you very much.

What would happen if I never agree to the settlement?
Cause fuck them. I'm not agreeing to pennies after waiting 2 fucking years (and 5 days) for this bullshit. When I say pennies, I actually mean, PENNIES.

Probably grasping at nothing, but honestly fuck them.
Old guy running stale reds are apparently A-OK with ICBC.
How about giving us some real information (e.g car models, mods you have, how much is ICBC offering, etc) so we can give you some real comments and advice?
(Remember, for insurance companies and even second hand car market, after-market mod is pretty much worthless. Put 10K worth of mod on a 5K car, you still have a car that's only worth 5K. You should know the risk when you mod your car. )

Maybe ICBC is really screwing you here and you have a good chance going to court...but on the other hand, maybe ICBC is already being extra generous and you should take the offer and run.

ICBC gives you fair market value, not what value you think is fair...
Afterall, some people like to think their 20 years old tercel is worth $8k...

[SumAznGuy]

OP's car.
http://www.revscene.net/forums/582659-spugens-sc400-im-killing.html

95 SC400 that was meant to go VIP.

7seven, I did. When I get day permits for my ITR, I make sure it has everything including theft.

[godwin]

The problem with the situation is if ICBC is following the rules and there is no wrong doing.. having a lawyer vs no lawyer will yield the same result.

From what I understand:

1. OP only has day permit, no Collision coverage.
2. OP is deemed by ICBC to be at fault for causing the accident.
3. I assume OP doesn't have "agreed value" with ICBC
4. The car is a 95.
5. What kind of injury OP sustained? Does he has it documented properly ie day book etc?

I think point 3+4 are point of contestation, just by depreciation alone a 95 car will worth pennies on a dollar. Those are based on book value.. having lawyer vs no lawyer won't change the values in their books.

As for towing etc.. how much would it be?

You already have an attorney, if you're not happy just keep telling your attorney to fight it out with ICBC, you are under no obligation to accept a settlement with ICBC.

[lowside67]

I'm a bit confused... if you have no collision coverage and cause an accident, you aren't getting ANY money to fix your car... why would ICBC pay to repair or buy your car when you don't have the coverage to require them to do that?

Mark

[ilvtofu]

I'm a bit confused... if you have no collision coverage and cause an accident, you aren't getting ANY money to fix your car... why would ICBC pay to repair or buy your car when you don't have the coverage to require them to do that?

Mark

+1, I thought the idea is that you cover all your own costs when you're deemed at fault with no collision and ICBC covers the other party's costs

[MaGNuM16]

i also thought if your 100% at fault for an accident and you were hurt , that icbc doesnt cover your medical bills nor give you a settlement. I remember getting into an accident and i was at fault and i recall my adjuster saying that .

[brute_4s]

when i took my drivers test the rules clearly stated that while sitting at a left turn lane proceed only if safe to...this included if the light had turned red...as long ascars were coing through you wre under an obligation to clear the interecion before proceeding through it. unfortunately thats why icbc is saying you are somewhat at fault and since you have no collision they are gonna make it seem even more your fault...

im confused though, did the old guy slam on the brakes., realize he couldnt stop and then go or did u just assume he would stop. i find it odd sometimes that ppl have trouble judging the speeds of oncoming motorists.

just my opinion.

[tegra7]

So how many "pennies" are we talking here?

[NSX]

SOrry to hear. What shit luck.

[RRxtar]

sounds to me like if ICBC is giving you anything for your car they are actually being nice, not being scum bags. since you dont have collision you should realistically get nothing.

am i reading this thread wrong? or are you just whining because you did something stupid (accident with no collision), and now you're being greedy and it isnt working?


everyone always says ICBC is trying to screw them when they try to screw ICBC and it doesnt work.

[busdriverman]

^ lets try to be a little more sympathetic. op sustained injuries, albeit being at fault for the accident.

[YaKuZa_GS]

I used to work for a company that dealt with ICBC adjusters and estimators up to 10 times a day. Unfortunately I'm sure you already know this or have been told but this is taken right from ICBC's website


ICBC | Collision coverage (http://www.icbc.com/autoplan/optional/optional-vehicle/collision)

Collision coverage

Collision coverage pays for repairs to your vehicle when it's damaged in a crash. It also gives you a payout if your vehicle is written off in a claim, no matter who was at fault.

And if you declined collision coverage I don't really see any reason why ICBC would pay you anything. The fact you said "didn't think this shit would happen" already acknowledges that you knew you were talking a risk. Unfortunately you rolled the dice and it didn't turn out in your favor. Super sorry to hear that but it seems you're screwed. Since you obviously have Third Party Liability that covers damages to his car and any injuries if any up to the amount you paid for (I believe minimum $200,000)

However I do believe you are still eligible for your injuries. Take a look at this page for more info on basic coverage

http://www.icbc.com/autoplan/basic/basic-covers

[lowside67]

Yes, ICBC's minimum required coverages will cover damage you to do yourself or to the other party up to your liability limits.

Mark

[SpuGen]

when i took my drivers test the rules clearly stated that while sitting at a left turn lane proceed only if safe to...this included if the light had turned red...as long ascars were coing through you wre under an obligation to clear the interecion before proceeding through it. unfortunately thats why icbc is saying you are somewhat at fault and since you have no collision they are gonna make it seem even more your fault...

im confused though, did the old guy slam on the brakes., realize he couldnt stop and then go or did u just assume he would stop. i find it odd sometimes that ppl have trouble judging the speeds of oncoming motorists.

just my opinion.

Google Maps (http://g.co/maps/quc3c)
Every on coming car stopped. I just got on the throttle and started to turn the wheel. He came flying in where cars are usually parked through the side behind the F250 in the map link. I ended up facing westbound 41st, just in front of the row of cars waiting to turn left. (Civic in the map link)

I'm not trying to cheat the system or milk anything. I was just surprised that I got fucked in the way I did. If you saw the damage pictures from the link posted above, motherfucker didn't even try to stop. He probably would've ended up t-boning someone else if he didn't hit me first.

I made this thread asking to see if it would be worth it to even try to dispute liability. Thanks to those who posted actual information.

Next car is getting this.
http://photos.motoiq.com/MotoIQ/Features/Matt-Powers-2012/i-Lznqn2h/0/L/KRH9423-L.jpg

[smarv]

Google Maps (http://maps.google.ca/maps?hl=en&ll=49.233123,-123.100208&spn=0.001497,0.004128&hnear=Vancouver,+Greater+Vancouver+Regional+Distri ct,+British+Columbia&t=h&z=19&layer=c&cbll=49.233137,-123.101677&panoid=iDj4iWZg4M0EP00xkMOugA&cbp=12,71.59,,0,2.44)

not surprised that your accident happened on main and 41st, i always see people speed threw yellows there. cops had a speed trap set up there today.

[StylinRed]

left turn accidents are always the left turners fault really; unless you can get witnesses or video showing the guy who hit you was speeding/running a light (and even then its not a certainty)

and as said you dont have to agree with icbc even if they say "final offer" thats like classic wheeling and dealing ;)

[falcon]

No they're not. I know people who have been found not at fault... surprisingly in a situation just like the OP. But he had the witness of the people who had stopped and the right lane was a parking lane.

[nsx042003]

so what is it? the guy in the other car ran a red and hit you and you are at fault?

Am i missing something? I would've thought anyone running a red and hit would be at fault, why does even left turning be at fault?

I'm shocked to say the least, unless the other guy didn't run a red, and just went through a yellow, then i'd say OP is partly at fault. but 100% fault? no fucking way

[Duff Beer]

y u confuse?

Sorry can't help it. But in all seriousness, would you mind sharing what happened, OP? Maybe one or two of us have gone through the same situation and are able to help out or give input. A close friend of mine is a personal injury lawyer, if you need to go that route.

[freakshow]

Sorry to sound like a broken record.. But if you didn't have collision, why is icbc taking your car and giving you money? Doesn't 'no collision' mean that the other drivers damages are covered, and you're on your own? (no payout, buy they also don't take your car?)

[mmmk]

^
I'm wondering this as well.

[Expresso]

Sorry to sound like a broken record.. But if you didn't have collision, why is icbc taking your car and giving you money? Doesn't 'no collision' mean that the other drivers damages are covered, and you're on your own? (no payout, buy they also don't take your car?)

Sounds like he's getting a payout for his injuries and not the car.

If you don't have Collision, isnt the car yours to keep as you please? Or does ICBC keep your car regardless if you have Collision or not?

[godwin]

Honestly you don't need a roll cage (that's just add more complications to your insurance).. you need a video camera (if it is true that the oncoming car had ran the red, that it will be recorded)

Perhaps some time off to figure out how the world works and a bit more maturity? Just because the world doesn't go your way doesn't mean you need to say you are "f'ed".. Putting expletives just inflames the situation.

In this situation, I suggest just take the cheque, that way at least you will be earning interest and you can get on with your life.


Next car is getting this.

[SpuGen]

^
Was being sarcastic.

I only made the thread hoping someone with the same experience would chime in and help me figure out my options. Lawyer was being vague and pretty much told me it's not worth it. Or worth it for him. Who knows.

Im actually more pissed that I have a surcharge now.

[MaGNuM16]

left turns is icbc best friend. Ive also been in 2 left turn accidents one where the guy ran a red light and hit me , thank god i had witnesses. And the other i was making a left turn , i was at 100 percent fault cause my one witness flaked out on me ... Overall ive learned ill stay in the intersection until its 100% clear , even if the lights red ill wait till i see those cars stop. Its not worth the surcharge nor is it fun getting T boned again. OP take what icbc gives you and learn from your mistakes !

[Gridlock]

left turns is icbc best friend. Ive also been in 2 left turn accidents one where the guy ran a red light and hit me , thank god i had witnesses. And the other i was making a left turn , i was at 100 percent fault cause my one witness flaked out on me ... Overall ive learned ill stay in the intersection until its 100% clear , even if the lights red ill wait till i see those cars stop. Its not worth the surcharge nor is it fun getting T boned again. OP take what icbc gives you and learn from your mistakes !

Totally agree. Go ahead and honk. Especially when its yellow, I'm not assuming that this guy bearing down on me is not suddenly going to decide he's in a hurry.

[7seven]

^
Was being sarcastic.

I only made the thread hoping someone with the same experience would chime in and help me figure out my options. Lawyer was being vague and pretty much told me it's not worth it. Or worth it for him. Who knows.

Im actually more pissed that I have a surcharge now.

After re-reading your original accident thread, you originally state it was a stale yellow and in this thread a stale red :suspicious: Did you also tell first responders/ICBC at first the other driver went through a yellow too? Add that to the fact that you were making a left turn I'm starting to think the truth leans more on the side of the other driver and ICBC. I could be wrong but that's how it seems here. In the original thread you said people waiting at the bus stop had to pull you out of the car, did none of them give witness statements? Where they for or against you, if they did I would guess they weren't in your favor and that's why ICBC ruled against you? So really,why so pissed/surprised you're getting a surcharge now?

You declined to get collision insurance to save a couple bucks, as other have stated it's right for ICBC not to give you anything for the car. So it's really now down to the injury claim and what you think you deserve for that and what ICBC thinks you do. Sounds like you don't have a great lawyer or one that doesn't think you have a good injury claim if you didn't keep injury logs/day books/doctor reports.

So really, are you angry/pissed at youself or ICBC.

[Gumby]

so what is it? the guy in the other car ran a red and hit you and you are at fault?

Am i missing something? I would've thought anyone running a red and hit would be at fault, why does even left turning be at fault?

I'm shocked to say the least, unless the other guy didn't run a red, and just went through a yellow, then i'd say OP is partly at fault. but 100% fault? no fucking way
It's obvious that you're turning left. But how do you prove that the other guy ran a red light?

[SumAznGuy]

It's obvious that you're turning left. But how do you prove that the other guy ran a red light?

Witnesses.

Either a red light ticket for the other driver, witnesses in the cars that stopped for the red light, or a certain Red RX8 with a dash cam.

[GGnoRE]

When my parents got into a left turn accident, the examiner said they look at where the collision occured on the car. If the front bumper of the left turn vehicle is hit, its likely that ICBC will put more than 50% responsibility on the left turn (if not 100%). If the rear bumper of the left turn vehicle is hit, the oncoming car carries some more fault.

[bing]

^they may consider that, but its not a final determination. The ultimate rule is the left-turner is 100% at fault without evidence. Even if they "applied" more fault to the oncoming car, all he/she has to do to get a reversal in the decision is challenge and escalate the claim with the manager. For these very reasons, I will never ever turn until I feel safe, even if the guy behind me is honking. Two lane streets are horrible in terms of visibility for turning when the opposing lane has a line of cars waiting to turn as well. For this reason, I prefer to turn on streets where they have an added turning lane or advance green.

[BlackZRoadster]

Isn't comprehensive another like $5 for the day?

[JHatta]

When my parents got into a left turn accident, the examiner said they look at where the collision occured on the car. If the front bumper of the left turn vehicle is hit, its likely that ICBC will put more than 50% responsibility on the left turn (if not 100%). If the rear bumper of the left turn vehicle is hit, the oncoming car carries some more fault.

OP's car's damage

http://img.photobucket.com/albums/v198/Mugen604/DSC01398.jpg

Using that basis, it looks like it would be 50/50 fault. Sorry to hear about your loss/injuries David, but it looks like you're fucked.

[Expresso]

OP's car's damage



Using that basis, it looks like it would be 50/50 fault. Sorry to hear about your loss/injuries David, but it looks like you're fucked.

There's very rarely a 50/50, unless you have a witness and prove he ran a Red. Left Turner is always at fault 100%.

I've gone through this before as well and was at fault. Like everybody else, I don't turn left unless I know 100%. I will wait all day.

[NLY]

That "I'm killing it" sticker just screams I'm a tool.

[T4RAWR]

OP's car's damage

http://img.photobucket.com/albums/v198/Mugen604/DSC01398.jpg

Using that basis, it looks like it would be 50/50 fault. Sorry to hear about your loss/injuries David, but it looks like you're fucked.

that'll buff right out :troll:

[twitchyzero]

must refrain from the "I'm 'killing' it" joke :concentrate:

[YaKuZa_GS]

Sorry to sound like a broken record.. But if you didn't have collision, why is icbc taking your car and giving you money? Doesn't 'no collision' mean that the other drivers damages are covered, and you're on your own? (no payout, buy they also don't take your car?)

I never even thought about that LOL. I guess since ICBC is paying him for the car and he does not have collision coverage they are offering to pay him salvage value ("pennies"). This could be the only reason I see them paying him for the car.

SpuGen, I guess if you're not happy with the amount they are offering you for the car then you can take it back and try to sell it for more or part it out.

[Marco911]

is ICBC paying any of your medical bills? if so just keep telling them your in pain and stall. if they keep having to pay your medical for lets say 1-4 more years they will see that they are losing more money than if they were to give you a higher settling rate and be done with you. But that all depends on if they pay a monthly medical payment for you like physio or chiropractor, if they aren't paying I would try to get compensation for past visits(if any) and start going to something that costs them money a couple times a weeks from now on. if you do that with patience they will cave in with a higher offer. This advice was given to me by an old teacher of mine, so its not from my own experience.

Lying about injuries or the severity of injuries is fraud. A car accident isn't supposed to be a ticket to a big paycheck.

[DouMing]

^they may consider that, but its not a final determination. The ultimate rule is the left-turner is 100% at fault without evidence. Even if they "applied" more fault to the oncoming car, all he/she has to do to get a reversal in the decision is challenge and escalate the claim with the manager. For these very reasons, I will never ever turn until I feel safe, even if the guy behind me is honking. Two lane streets are horrible in terms of visibility for turning when the opposing lane has a line of cars waiting to turn as well. For this reason, I prefer to turn on streets where they have an added turning lane or advance green.

i totally agree with you, i ALWAYS make sure the oncoming cars have stopped.. don't give a damn about that person behind me.

[belaud]

Lying about injuries or the severity of injuries is fraud. A car accident isn't supposed to be a ticket to a big paycheck.

In this case, it would seem his future body health is already in jeopardy. My friend's knee's are still not bending properly, it also hurts for him to sit at a 90o angle. Its been about year and a half now after his right frontal side collision also from a left turn.

My co-worker who had a straight on collision still has whiplash in his neck, his spinal injury is permanent (he has to sleep on spikes in order for the nerves to not pinch, as well as a flat wooden board + sleeping bag), as well as joint pains during season changes. Its been nearly 2 and a half years for this gentlemen, he still has to go under intense and painful physiotherapy every year or so for a week to lessen his symptoms, even then, not able to sleep properly ever is a slap in the face.

So yeah, thats probably why many people lie about what kind of pain they're experiencing after an accident in order to cash in.

[Marco911]

Google Maps (http://g.co/maps/quc3c)
Every on coming car stopped. I just got on the throttle and started to turn the wheel. He came flying in where cars are usually parked through the side behind the F250 in the map link. I ended up facing westbound 41st, just in front of the row of cars waiting to turn left. (Civic in the map link)

I'm not trying to cheat the system or milk anything. I was just surprised that I got fucked in the way I did. If you saw the damage pictures from the link posted above, motherfucker didn't even try to stop. He probably would've ended up t-boning someone else if he didn't hit me first.



1) Looking at the link in the pic, it seems like the intersection has pretty clear visibility. The street slopes upward, which would give you even clearer visibility of approaching vehicles.

2) Many people get into accidents making left-turns because left-turners think they have right of way or are forced to clear an intersection when the light turns yellow. Left turners are expected to yield to oncoming traffic so they are almost always found at fault. How is this unfair? Whether the traffic light is green, yellow or red is irrelevant to whether you should make a left turn. Once you are in the intersection, you can make a left turn only when the intersection is clear.

3) Once you are found in an at fault accident, your rates go up. How do you think ICBC pays for the damage/injuries you caused to the other vehicle?

[Marco911]

In this case, it would seem his future body health is already in jeopardy. My friend's knee's are still not bending properly, it also hurts for him to sit at a 90o angle. Its been about year and a half now after his right frontal side collision also from a left turn.

My co-worker who had a straight on collision still has whiplash in his neck, his spinal injury is permanent (he has to sleep on spikes in order for the nerves to not pinch, as well as a flat wooden board + sleeping bag), as well as joint pains during season changes. Its been nearly 2 and a half years for this gentlemen, he still has to go under intense and painful physiotherapy every year or so for a week to lessen his symptoms, even then, not able to sleep properly ever is a slap in the face.

So yeah, thats probably why many people lie about what kind of pain they're experiencing after an accident in order to cash in.

Seriously, I have never seen so many people involved in relatively minor collisions whining about "injuries." This only seems to happen in the US and Canada. Insurance should pay your medical bills and only provide compensation for "pain and suffering" in the most egregarious cases that are based on physical evidence of trauma.

People in developing countries that get involved in similar accidents seem to go about their days just fine without claiming injuries or getting compensation.

[TRDood]

I believe "pain and suffering" is not paid to the party at fault. Only medical bills such as physio due to "no fault" provisions.

As for OP's car, it's been discussed that ICBC should be offering a value of zero. Tow expenses will be paid by the owner befuase the salvage is the responsibility of the owner, not ICBC, unless covered under insurance.

I hope OP gets nothing for his car because any payment means paying customers are subsidizing his loss.

[BlackZRoadster]

^ so i guess whatever "pennies" hes getting is paid by us at the end

[Yodamaster]

You gambled, you lost.

Get the fuck over it and take what they're giving you. :teach:

[Duff Beer]

OP's car's damage

http://img.photobucket.com/albums/v198/Mugen604/DSC01398.jpg

Using that basis, it looks like it would be 50/50 fault. Sorry to hear about your loss/injuries David, but it looks like you're fucked.

Ouch, OP.. lesson learned, that's unfortunate. You have the right of way to make a left turn after traffic from opposite direction clears and when safe to do so. I think that's what the book says. But I agree on making ICBC pay, monopoly does not in any way represent the public's best interest.

[MindBomber]

Seriously, I have never seen so many people involved in relatively minor collisions whining about "injuries." This only seems to happen in the US and Canada. Insurance should pay your medical bills and only provide compensation for "pain and suffering" in the most egregarious cases that are based on physical evidence of trauma.

People in developing countries that get involved in similar accidents seem to go about their days just fine without claiming injuries or getting compensation.

I couldn't agree more, it's shameful. People complain about ICBC insurance rates, but don't seem to understand that people with the "car accident lottery" approach are contributing to expense.

I was involved in a serious accident and required surgeries accompanied by two years in rehab; at any given time there were multiple people at my clinic who were very obviously using a "stiff neck" as a means to a 6-8 week paid vacation.

There were certainly people with very serious injuries at the clinic and those who clearly had legitimately "sore" bodies who required and benefited from treatment. Those people worked hard during physiotherapy exercises, because they badly wanted to get better so they could be relieved of the pain they were in. Then there was the other third of the patients, who resisted every attempt at exercise and were fiercely defensive.

[Gumby]

Witnesses.

Either a red light ticket for the other driver, witnesses in the cars that stopped for the red light, or a certain Red RX8 with a dash cam.
Thanks, but the point I was trying to make to nsx042003 is that it's easy to prove you were turning left, but finding a credible witness to support your story (he ran the red!) is much harder.

[Gridlock]

Seriously, I have never seen so many people involved in relatively minor collisions whining about "injuries." This only seems to happen in the US and Canada. Insurance should pay your medical bills and only provide compensation for "pain and suffering" in the most egregarious cases that are based on physical evidence of trauma.

People in developing countries that get involved in similar accidents seem to go about their days just fine without claiming injuries or getting compensation.

Yeah, I mean don't we take a certain level of responsibility by getting into a car in the first place?

[HansonBoy]

OP's car's damage

http://img.photobucket.com/albums/v198/Mugen604/DSC01398.jpg


Reminds me of that auto insurance commercial where the guy is polishing his car :troll: